Many insurance companies will ask you how many miles you drive and will factor them into your car insurance rate. The more miles you drive, the higher your fare could be. At Progressive, in most states, we ask you how many miles you drive to work. If you use your car to go to work but don't drive far, consider usage-based car insurance.
Your low mileage could help you access a lower rate. Keep in mind that other data collected through a UBI device, such as if you tend to brake hard, accelerate quickly, or drive at dangerous times of the day, could cause your frequency to increase rather than a decrease. A multi-car insurance policy only means that you have two or more vehicles in your policy. If you have more than one vehicle in the same direction, you can add them all to your policy.
Some insurance companies may indicate that they must have a garage at the same address, but an actual garage is not required. It simply means that cars must be parked in the same direction or close to it. If your child goes to school and has their own vehicle, the car can normally remain on their multi-car insurance policy for as long as the student continues to use their home as their primary address. Without the reimbursement coverage of a rental car, you may be responsible for the cost of a rental car if your car can't be driven after an accident.
Progressive Roadside Assistance pays for towing services if your car breaks down for any reason, whether it's on the road or in your driveway. Your insurer will only cover the cost of a rental car up to the limits of your policy, so consider avoiding renting exotic or luxury cars. If you're thinking of taking out classic car insurance, keep in mind that many specialized insurers require that the vehicle only be used occasionally for driving for pleasure and attending classic car events. It's important that you honestly answer your insurer's questions about car use, as lying can be considered auto insurance fraud.
This coverage generally excludes fuel costs, security deposits, and any additional rental car insurance that you may purchase from the rental company. If you plan to go somewhere regularly, you'll probably have to tell your insurance company that you'll be using the car to get to work. Rental vehicle reimbursement coverage is optional coverage that can cover the cost of a rental car if your vehicle is damaged in a covered accident and cannot be driven. Some insurers have relationships with car rental companies that facilitate the reimbursement process, while others may require you to submit receipts separately for reimbursement.
Just add any vehicle that belongs to your spouse, family member or roommate to your policy and you'll receive the discount for several vehicles as long as the car is mainly stored in your home. If the damages are severe enough to justify the need to rent a car, you're likely to file a car insurance claim under your car collision insurance coverage or also under comprehensive car insurance coverage, which includes a deductible. Technically, there's no difference between pleasure car insurance and car insurance for trips to work; you'll need a basic auto insurance policy regardless of the purpose for which you primarily use your car. Yes, you can get a multi-car discount if you have more than one vehicle on your Progressive auto insurance policy.
Auto insurers may not offer a direct discount for driving fewer miles, but some may offer usage-based insurance programs that could lower the rate as a reward for driving safely and less in general...